Recognize the debt danger signs!
Do you have more debt than you can handle? Many debt problems are easy to solve, others require professional assistance. Our advice is to deal with your debt and financial problems now, before they get out of hand. If you answer YES to any of these questions, YOU NEED HELP: ARE YOU unable to pay your bills…
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If possible, should you pay off your bankruptcy early?
Believe it or not, we have had several clients who have filed bankruptcy and then found themselves in financial excess. When this happens, clients often ask the question “can I pay off my bankruptcy and be discharged faster?” If you’re in the middle of a bankruptcy, and your financial picture starts looking rosy, it’s understandable…
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Overspending at the Holidays
I know that people may think it’s too early to talk about Christmas, but it’s not too early to talk about debt! Many people have already started shopping for Christmas, or at the very least have already begun making Christmas lists and brainstorming meal ideas for the big day. Just remember, one of the major…
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Reading Your Credit Card Agreement
Credit card agreements can be one of the most challenging financial documents to understand. The purpose of a credit card agreement is to spell out the conditions of your line of credit. According to an analysis done by creditcards.com, the average credit card agreement is written at a 12.37 grade level, while the average person…
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Saving Money At Halloween
People of all ages enjoy Halloween. It’s a fun time to dress up, eat candy, and have some good “spooks.” The real scary thing is that Halloween expenses can take a big toll on your budget if you don’t plan. If you’re celebrating, be sure to use these money saving tips to save on Halloween…
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This Halloween, Face Financial Fears Head On!
Monsters, ghosts and werewolves scared us as children but as adults we tend to be more scared by our finances. This Halloween try facing a few money fears head on! Trapped by debt It can seem impossible to escape the continuing stress of credit cards, student loans, and car loans. It can lead to problems…
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Should you withdrawal from your RRSP to pay down debt?
Many people think that it makes sense to pay off high interest debt by withdrawing from their RRSP because it will get rid of their interest payments. In most cases, I agree with paying down high interest debt by any means possible. But, before making an early withdrawal from an RRSP — for any reason…
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Payday Loans and Holiday Debt
With Christmas bills about to roll in, I thought now would be a great time to talk about why getting a payday loan is a terrible idea. I understand why people are interested in the idea. It’s a quick fix…or is it? Before you take the plunge into the payday loan cycle, do your research….
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New Years Resolution: Break Out Of Debt!
A brand new year often inspires positive life changes such as breaking free of debt. If collections calls have been interrupting your dinner or you’re just stressed out from heavy-duty debt, here’s how to eliminate the burden. Determine where you stand In order to solve a problem, you need to fully understand it. Assess your…
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RRSP Contributions And Filing Your Income Tax in 2017
It’s almost that time of year again! RRSP season is just around around the corner. You can make RRSP contributions during the first sixty days of 2017 and claim these contributions on your 2016 income tax return. This year, the RRSP contribution deadline for the 2016 tax year is March 1st, 2017. The main benefits of contributing to RRSPs are; you…
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